Products and Services

COMMUNITY BANCSERVICE CORPORATION, INC. (CBSC)

A subsidiary of Community Bankers Association of Illinois (CBAI), CBSC’s mission is to empower community banks by connecting them with proven vendor solutions that will enhance customer service, boost efficiency, increase revenue, and ensure they remain competitive. CBSC recommends products and services that assist banks with income-production, expense reduction, consulting, marketing, compliance, equipment, insurance, lending, A/L management and payments. Before the CBSC board of directors awards any program an exclusive partnership, it is subjected to a rigorous due diligence review that includes extensive testing by members, occasionally by independent experts, and negotiation of special member-only benefits. This process typically takes up to six months.

Today, CBAI members use an average of more than five CBSC preferred providers. Last year, members collectively saved nearly $ 1.5 million in purchasing discounts from CBSC-recommended firms. Contact CBSC today and share in the savings.

Contact CBSC today if you have any questions!

	ADVANTAGE, powered by JMFA Overdraft Management Software, Vendor Contract Reviews, Account Acquisition, and Customer Communications Contact: Dan Boyer \| Phone: 636/275-2901 \| Website: www.advantage-fi.com ADVANTAGE partners with community banks to support responsible non-interest income growth, operational efficiency, and regulatory alignment through integrated services and proprietary technology. Overdraft Privilege A consumer-valued overdraft solution supported by proprietary technology, best practices, a 100% compliance guarantee, and ongoing program monitoring to achieve revenue goals, improve efficiency, and manage risk. Contract Optimizer Strategic third-party vendor reviews and negotiation services that help improve competitiveness, reduce operational costs, and secure more value from key technology and service providers. Checking Acquired A data-driven account acquisition and deposit growth engine that helps banks expand market share more efficiently by identifying high-value opportunities and lowering the cost of acquisition. ADVANTAGE Direct An efficient customer communications solution that helps banks deliver timely, compliant messages across key moments in the customer lifecycle, supporting engagement and stronger relationships. CBAI members receive a 10% discount on Overdraft Privilege and preferred pricing on all other services. ADVANTAGE, powered by JMFA has been a CBSC Marketing Partner since 2022.
	Brown & Brown BOLI/Property & Casualty/D&O Contact: Scott Richardson \| Phone: 847/902-3401\| Website: www.bbrown.com Contact: Phil Aderton \| Phone: 630/561-9071 Brown & Brown delivers comprehensive insurance and executive benefit solutions tailored specifically for community banks. Backed by a national team of specialists, Brown & Brown offers a full suite of services including property & casualty, management liability (D&O, EPLI, fiduciary and cyber), group employee benefits, Bank-Owned Life Insurance (BOLI), and non-qualified executive benefit plans. With Brown & Brown, every engagement begins with a conversation – followed by a free custom insurance consultation for CBAI members. Our experts then provide a detailed analysis, either validating current coverages, or offering consultative recommendations designed to align with your bank’s goals, risk profile, and budget. Brown & Brown has been a CBSC Marketing Partner since 2021 and CBAI Vendor of the Year in 2021.
	CBAI 401(k) Multiple Employer Plan (MEP) 401(k) Plan Contact: Nathan White \| Phone: 800/732-8601 \| Website: www.midwesternsecurities.com Contact: John Schafer \| Phone: 914/821-9534 \| Website: www.pentegra.com CBAI has partnered with Midwestern Securities Trading Company and Pentegra to provide a multiple employer 401(k) plan or, MEP. Merging individual bank 401(k) plans into the CBAI MEP enables participating banks to more effectively outsource its 401(k) plan fiduciary responsibilities and liabilities while providing potential cost savings. Most importantly, the MEP is controlled by an oversight committee comprised of banks participating in the MEP. The participating banks have direct input into plan structure, funds selection, etc. CBAI 401(k) MEP has been a CBSC Marketing Partner since 2013.
	CBAI Enhanced Email Services Email Services Contact: Jenny Dial \| Phone: 217/529-2265 \| Website: www.cbai.com CBAI's Enhanced Email packages offers offer banks exchange hosting, remote access, full archiving, encryption, calendaring, and Office 365. Packages available also can can also be customized with an integrated solution of email archiving, email encryption, and file backup to keep information safe, secure, and compliant. These email package solutions are designed to meet FINRA and SEC privacy and security requirements, including fully redundant, SOC 2 Type II-audited and backed with outstanding support. CBAI Enhanced Email Services has been a CBSC Marketing Partner since 2011.
	CBAI Web Hosting Services Website Hosting Contact: Jenny Dial \| Phone: 217/529-2265 \| Website: www.cbai.com CBAI Web Hosting Services offers your bank a complete website hosting package designed especially for CBAI members. Hosting packages start at $1,295 per year. Tier-level hosting packages include managed VPS hosting with generous storage, RAM and bandwidth to provide a clear path into the future for your bank's website. CBAI Website Hosting Services has been a CBSC Marketing Partner since 2000. More information can be found here.
	College Ave Student Loans Student Loans Contact: Mike Duke\| Phone: 217/529-2265 \| Website: www.collegeave.com/partner Illinois banks are now able to offer their customers a full suite of private student loan products supported by top-notch service while avoiding all loan administration responsibility and credit risk. College Ave 's referral program gives Illinois’ community banks the ability to serve the higher education funding needs of their customers and local communities with a trusted partner in the student loan industry. College Ave is known for competitive interest rates, flexible repayment terms and first-class customer service. Additionally, the online application is easy to complete and submit. Borrowers receive an instant credit decision in less than three-minutes. College Ave Student Loans has been a CBSC Marketing Partner since 2019.
	CSC UCC Search, Retrieval and Filing Contact: Russ Lash \| Phone: 800/858-5294 ext 63714 \| Website: www.cscfinancialonline.com CSC web-based due diligence and document retrieval services provide the most complete and accurate Uniform Commercial Code (UCC) search and filing, and portfolio management services nationwide. CSC provides powerful online management tools that track and audit member banks' UCC filings and generate reminders of filing expirations. CBAI members receive discounts up to 45%. CSC has been a CBSC Marketing Partner since 2004.
	Data Business Equipment, Inc. - DBE Technology Solutions Contact: Jeff Radtke \| Phone: 847/341-0747 \| Website: www.dbeinc.com At DBE, we help community banks solve problems, achieve goals, and improve business operations through technology. Together with NCR Atleos and Glory, we bring innovative products to the marketplace and support the solutions ourselves, ensuring we deliver the best possible solutions and outcome for our clients. DBE is your partner for coin and currency equipment, teller cash recyclers, ATMs and ITMs, and more. Let's connect! CBAI Members receive a 6% discount off DBE's standard pricing and a double warranty when a maintenance agreement agreed upon. Data Business Equipment, Inc., has been a CBSC Marketing Partner since 1982 and was CBAI Vendor of the Year in 2014.
	Econocheck Packaged Checking Contact: Nancy Planells \| Phone: 314/323-2252 \| Website: www.econocheck.com Implementing a new benefit-enhanced checking solution will generate significant fee income while providing value-added services that your customers will thank you for including in their checking account. Banks report earning up to $60 per year in net profit per DDA, and CBAI members receive preferred pricing on the secure checking package. Customers also receive cell phone protection, identity protection, online and mobile shopping discounts and more. Econocheck has been a CBSC Marketing Partner since 2018.
	FiNet Merchant Credit Card Services Contact: Richard Camardo \| Phone: 800/487-5577 \| Website: www.finet.net FiNet provides community banks with personalized merchant services programs designed to boost revenue and provide innovative payment solutions for your business customers. We are proud to be a merchant services partner of the CBAI. CBAI member banks benefit from an expanded revenue share, and their business customers receive a 20% discount on qualifying equipment purchases. FiNet has been a CBSC Marketing Partner since 2026.
	Hopkins & Howard, P.C., Certified Public Accountants Bank Valuation Services Contact: Joe Hopkins \| Phone: 314/503-4962 \| Website: www.hopkinsandhoward.com Hopkins & Howard is a leading provider of bank stock valuations for community banks from the Florida Keys to north of Seattle. H&H only performs bank stock valuations, typically for ESOP, 401(k) plans, option plans, estate planning, estate tax returns, and shareholder agreements, which can be used as a measuring stick for bank shareholder progress. H&H also provides expert witness service for bank stock values. Hopkins & Howard has been a CBSC Marketing Partner since 2025.
	ICBA CRA Solutions CRA Credit Contact: Kristine LaVigna \| Phone: 901/529-4781 \| Website: www.icbacrasolutions.org ICBA CRA Solutions offers CRA Education & Training, CRA Support Services, the CRA Collaborative Peer Group, and CRA qualified loans, investments and services. Since its inception in 2000, ICBA CRA Solutions has helped hundreds of banks across the country earn meaningful CRA credit through elder financial abuse prevention programs — all with flexible funding options to make it simple for banks to get involved. We guide you through optimizing your CRA Compliance Program from start to finish. ICBA CRA Solutions has been a CBSC Marketing Partner since 2020.
	ICBA Payments (formerly ICBA Bancard) Credit Cards Contact: Heather Sullivan \| Phone: 202/597-0330 \| Website: www.icba.org ICBA Payments provides community banks with a number of cutting-edge credit card options. As a direct card issuer, your bank owns its receivables, retains 100% of the interest income and fees, approves all applications, and can tailor its program to meet the specific needs of your customers. If your bank isn’t ready to manage its own credit card program, or wants to sell an existing portfolio, the TCM Bank program is your answer. Your bank retains the relationship with the customer and a portion of the profit! ICBA Payments has been a CBSC Marketing Partner since 2010 and TCM Bank has been a CBSC Marketing Partner since 2004.
	IntraFi Core Deposit Growth and Manage Liquidity Contact: Sue Kling \| Phone: 709/292-3423 \| Website: www.intrafi.com Contact: Cricket Barlow \| Phone: 703/292-3473 With 23 years+ of experience, its time- and volume-tested, trusted solutions include reciprocal deposits, available through its ICS and CDARS services. IntraFi helps community banks grow core deposits, manage liquidity, and offer depositors access to multi-million-dollar aggregate FDIC insurance across a network of banks—all while keeping funds local and supporting community lending. IntraFi has been a CBSC Marketing Partner since 2026.
	IRONCORE, Inc. Managed IT for Community Banks Contact: Joe Carty \| Phone: 608/779-9400 \| Website: www.ironcore-inc.com IRONCORE provides innovative technology solutions based on banking industry knowledge and best-practice methodology for cybersecurity, cloud hosting, managed networks and IT lifecycle management. CBAI members receive a 5% discount. IRONCORE has been a CBSC Marketing Partner since 2020 and CBAI Vendor of the Year in 2022.
	Kasasa Reward Checking/Web Development and Marketing Contact: Robert Johnson \| Phone: 630/715-6241\|Website: www.kasasa.com Kasasa® is an innovative leader in branded, community-powered banking products proven to drive profit and growth for community financial institutions. With unprecedented access to training, compliance, research, support resources and customized consulting, Kasasa's flagship suite provides a research-based strategy leveraging the power of a branded relationship platform. Kasasa is making community financial institutions the topic of conversation for happy consumers nationwide, and CBAI members receive a 5% discount on all fees. Kasasa has been a CBSC Marketing Partner since 2006 and CBAI Vendor of the Year in 2007. More Information on Web Development and Marketing »
	Ncontracts Risk Management Contact: Kim Miller \| Phone: 630/670-7676\| Website: www.ncontracts.com Ncontracts is a leading provider of compliance and risk management solutions to the financial services industry. With over 3,700 customers, the company’s powerful combination of software and services provides community banks with an integrated, user-friendly cloud-based solution suite that encompasses the lifecycle of risk and compliance: vendor management, operational risk, audit and findings, and lending compliance. Ncontracts has been a CBSC Marketing Partner since 2019. CBAI members receive a 5% discount on one-time and annual subscription fees in addition to multiple module discounts for the following: Ncomply-a compliance management system that includes a library of rules and regulations; Ncontinuity-business continuity management software; Nfindings-audit and exam findings management software; Nrisk-enterprise risk management software; Nvendor-vendor management software; NboardPortal-board portal software (contact Tanner for more information); Ntranet-employee intranet and portal (contact Tanner for more information).
	Regency360 Office Supplies, Printed Materials, Promotional Products and Apparel Contact: John Bybee \| Phone: 217/653-4028 \| Website: www.regency360.com Regency’s Online Company Store automates the acquisition, distribution, warehousing and invoicing of office supplies, corporate-logoed apparel and promotional items. The gained efficiencies save time. Bulk purchasing, offsite storage and on-demand fulfillment saves money. The administrative dashboard puts bank management in control of all aspects of the supply chain including product usage by department and branch. Automate bank purchasing today! Regency360 has been a CBSC Marketing Partner since 2018.
	SHAZAM® Debit/ATM Network Services Contact: Trishia Tousignant \| Phone: 682/229-9736 \| Website: www.shazam.net SHAZAM is the only nationwide independent, member-owned debit network, processor and core provider supporting community banks. SHAZAM ensures their clients have the products and services they demand and expect in a cost-effective way. Founded in 1976 and headquartered in Iowa, SHAZAM is a leader in payments and financial technology with a simple mission: Strengthening community financial institutions. CBAI members receive an annual rebate of $50 per ATM. SHAZAM has been a CBSC Marketing Partner Since 2000 and was CBAI Vendor of the Year in 2001, 2005, 2011 and 2025. SHAZAM DocuCommand Document Scanning and Retrieval Contact: Wayne Sanderford \| Phone: 922/342-6700 \| Website: www.shazam.net DocuCommand is SHAZAM's advanced enterprise-wide document scanning, archiving, retrieval and management system. CBAI members receive a 5% discount. SHAZAM DocuCommand has been a CBSC Marketing Partner Since 2022.
	The Baker Group A/L Management and Investment Portfolio Strategies Contact: Deon Perryman \| Phone: 405/415-7376 \| Website: www.gobaker.com Contact: Jason Vlcek \| Phone: 405/415-7384 Contact: Ken Judd \| Phone: 405/415-7389 Contact: Mo Kelley \| Phone: 405/415-7386 The Baker Group is one of the nation’s largest independently owned securities firms specializing in investment portfolio management for community financial institutions. Since 1979, they’ve helped clients improve decision-making, manage interest rate risk, and maximize investment portfolio performance. Their proven approach of total resource integration utilizes software and products developed by Baker’s Software Solutions combined with the firm’s investment experience and advice. The Baker Group has been a CBSC Marketing Partner since 1983 and was CBAI Vendor of the Year in 1993, 1998, 2003, and 2019.
	The Stone River Group Electric and Gas Procurement Contact: Don Frontone \| Phone: 217/737-5811 \| Website: www.thestonerivergroup.com The Stone River Group’s (SRG) electric and gas procurement experts are independent of any energy producers, sellers or transmitters. They do not make or sell power-they make it more affordable for CBAI members. To ensure CBAI members receive the best possible price, SRG solicits qualified proposals from a number of gas and electricity service providers. Additionally, SRG consultants will aggregate members from the same region of the state and use their combined purchasing power to negotiate even lower rates. The Stone River Group has been a CBSC Marketing Partner since 2018.
	Vericast Check Printing/Direct Marketing Services Contact: Mandy Bennett \| Phone: 812/589-9219 \| Website: www.vericast.com Vericast is a leading marketing solutions company that helps businesses across many industry verticals connect with consumers through data, analytics, and a broad portfolio of digital and print solutions. We help businesses understand, engage, grow and retain customers. Every day, we influence the consumer purchasing and transaction behavior of more than 120 million households – impacting where people eat, shop, buy, save, and borrow. It’s crucial to maximize every engagement tool at your disposal to drive brand awareness and revenue. With a full suite of services designed to engage customers including, Check Solutions, Card Solutions, Contact Center Solutions, Customer & Employee Insight, Customer Change Management and Acquisition and Retention; Vericast solutions combine superior service and deep experience to build a program tailored to your goals and brand strategy. Vericast has been a CBSC Marketing Partner since 1988 and CBAI Vendor of the Year in 1996, 2002, and 2013.
	Wolters Kluwer Loan and Deposit Automation Software/HMDA Compliance Solution Contact: Jen Gordon \| Phone: 313/727-0420 \| Website: www.wolterskluwer.com Wolters Kluwer® is the market leader in providing compliance, credit, and operational risk management solutions to a variety of financial institutions. The company’s integrated and stand-alone deposit, lending, IRA, and Financial Intelligence solutions can help financial institutions efficiently comply with federal and state regulations. When you work with Wolters Kluwer, you will always receive a 10% discount for being a CBAI member. Wolters Kluwer has been a CBSC Marketing Partner since 1988 and was CBAI Vendor of the Year in 2024. More Information on HMDA Compliance Solution »
	Wolters Kluwer Cash Suite Credit Analysis Software Contact: Jen Gordon \| Phone: 313/727-0420 \| Website: www.wolterskluwer.com Wolters Kluwer's CASH Suite TM is comprised of nine integrated solutions that provide community banks with a powerful commercial lending software solution that helps business lenders increase profits and grow top-line revenue by achieving straight-through-processing across every step of the commercial loan lifecycle. Wolters Kluwer has been a CBSC Marketing Partner since 1988.

OTHER SERVICES:

	A Real Community Bank Image Program Contact: Valerie Johnston \| Phone: 217/529-2265 CBAI is proud to present the Real Community Bank Image Program, available only to CBAI active member financial institutions. A Real Community Bank is one which takes its commitment to its community seriously. This is a bank in which decisions are made locally, for the betterment of the home area in mind. CBAI leadership believes that, while we may recognize the difference between a community bank and a mega-bank, too many mega-bank imposters are attempting to claim our identity. The Real Community Bank Image Program, now implemented in nearly 20 other states throughout the United States, harnesses the power of professionally produced commercials which can be personalized for your bank. It's designed to accurately and compellingly inform viewers, listeners, and/or readers about what makes a community bank better. More Information »
CBAI COMPENSATION SURVEY	CBAI Compensation Survey Contact: Valerie Johnston \| Phone: 217/529-2265 \| Website: www.cbai.com Is your bank competing effectively with your peers to attract, reward and retain the top talent in today’s job market? What is your strategy to win the race for qualified leadership and employees? The Compensation measures only Illinois community banks and reports the findings by geographical area and asset size. Salaries, incentive pay, directors’ fees, 80 benchmark positions, paid time off and more are measured. Members that participate receive the results for FREE! More Information »
COMMUNITY BANKERS FOR COMPLIANCE PROGRAM (CBC)	CBC Program Contact: Jennifer Nika \| Phone: 217/529-2265 \| Website: www.cbai.com CBAI is pleased to offer you access to this critical guide to survival, the Community Bankers for Compliance (CBC) Program. The CBC Program is the most successful and longest running compliance training program in the country. The CBC Program is presented by Young & Associates, Inc., a nationally-recognized compliance consulting firm specializing in community banks. More Information »

	ADVANTAGE, powered by JMFA Overdraft Management Software, Vendor Contract Reviews, Account Acquisition, and Customer Communications Contact: Dan Boyer \| Phone: 636/275-2901 \| Website: www.advantage-fi.com ADVANTAGE partners with community banks to support responsible non-interest income growth, operational efficiency, and regulatory alignment through integrated services and proprietary technology. Overdraft Privilege A consumer-valued overdraft solution supported by proprietary technology, best practices, a 100% compliance guarantee, and ongoing program monitoring to achieve revenue goals, improve efficiency, and manage risk. Contract Optimizer Strategic third-party vendor reviews and negotiation services that help improve competitiveness, reduce operational costs, and secure more value from key technology and service providers. Checking Acquired A data-driven account acquisition and deposit growth engine that helps banks expand market share more efficiently by identifying high-value opportunities and lowering the cost of acquisition. ADVANTAGE Direct An efficient customer communications solution that helps banks deliver timely, compliant messages across key moments in the customer lifecycle, supporting engagement and stronger relationships. CBAI members receive a 10% discount on Overdraft Privilege and preferred pricing on all other services. ADVANTAGE, powered by JMFA has been a CBSC Marketing Partner since 2022.
	Brown & Brown BOLI/Property & Casualty/D&O Contact: Scott Richardson \| Phone: 847/902-3401\| Website: www.bbrown.com Contact: Phil Aderton \| Phone: 630/561-9071 Brown & Brown delivers comprehensive insurance and executive benefit solutions tailored specifically for community banks. Backed by a national team of specialists, Brown & Brown offers a full suite of services including property & casualty, management liability (D&O, EPLI, fiduciary and cyber), group employee benefits, Bank-Owned Life Insurance (BOLI), and non-qualified executive benefit plans. With Brown & Brown, every engagement begins with a conversation – followed by a free custom insurance consultation for CBAI members. Our experts then provide a detailed analysis, either validating current coverages, or offering consultative recommendations designed to align with your bank’s goals, risk profile, and budget. Brown & Brown has been a CBSC Marketing Partner since 2021 and CBAI Vendor of the Year in 2021.
	CBAI 401(k) Multiple Employer Plan (MEP) 401(k) Plan Contact: Nathan White \| Phone: 800/732-8601 \| Website: www.midwesternsecurities.com Contact: John Schafer \| Phone: 914/821-9534 \| Website: www.pentegra.com CBAI has partnered with Midwestern Securities Trading Company and Pentegra to provide a multiple employer 401(k) plan or, MEP. Merging individual bank 401(k) plans into the CBAI MEP enables participating banks to more effectively outsource its 401(k) plan fiduciary responsibilities and liabilities while providing potential cost savings. Most importantly, the MEP is controlled by an oversight committee comprised of banks participating in the MEP. The participating banks have direct input into plan structure, funds selection, etc. CBAI 401(k) MEP has been a CBSC Marketing Partner since 2013.
	CBAI Enhanced Email Services Email Services Contact: Jenny Dial \| Phone: 217/529-2265 \| Website: www.cbai.com CBAI's Enhanced Email packages offers offer banks exchange hosting, remote access, full archiving, encryption, calendaring, and Office 365. Packages available also can can also be customized with an integrated solution of email archiving, email encryption, and file backup to keep information safe, secure, and compliant. These email package solutions are designed to meet FINRA and SEC privacy and security requirements, including fully redundant, SOC 2 Type II-audited and backed with outstanding support. CBAI Enhanced Email Services has been a CBSC Marketing Partner since 2011.
	CBAI Web Hosting Services Website Hosting Contact: Jenny Dial \| Phone: 217/529-2265 \| Website: www.cbai.com CBAI Web Hosting Services offers your bank a complete website hosting package designed especially for CBAI members. Hosting packages start at $1,295 per year. Tier-level hosting packages include managed VPS hosting with generous storage, RAM and bandwidth to provide a clear path into the future for your bank's website. CBAI Website Hosting Services has been a CBSC Marketing Partner since 2000. More information can be found here.
	College Ave Student Loans Student Loans Contact: Mike Duke\| Phone: 217/529-2265 \| Website: www.collegeave.com/partner Illinois banks are now able to offer their customers a full suite of private student loan products supported by top-notch service while avoiding all loan administration responsibility and credit risk. College Ave 's referral program gives Illinois’ community banks the ability to serve the higher education funding needs of their customers and local communities with a trusted partner in the student loan industry. College Ave is known for competitive interest rates, flexible repayment terms and first-class customer service. Additionally, the online application is easy to complete and submit. Borrowers receive an instant credit decision in less than three-minutes. College Ave Student Loans has been a CBSC Marketing Partner since 2019.
	CSC UCC Search, Retrieval and Filing Contact: Russ Lash \| Phone: 800/858-5294 ext 63714 \| Website: www.cscfinancialonline.com CSC web-based due diligence and document retrieval services provide the most complete and accurate Uniform Commercial Code (UCC) search and filing, and portfolio management services nationwide. CSC provides powerful online management tools that track and audit member banks' UCC filings and generate reminders of filing expirations. CBAI members receive discounts up to 45%. CSC has been a CBSC Marketing Partner since 2004.
	Data Business Equipment, Inc. - DBE Technology Solutions Contact: Jeff Radtke \| Phone: 847/341-0747 \| Website: www.dbeinc.com At DBE, we help community banks solve problems, achieve goals, and improve business operations through technology. Together with NCR Atleos and Glory, we bring innovative products to the marketplace and support the solutions ourselves, ensuring we deliver the best possible solutions and outcome for our clients. DBE is your partner for coin and currency equipment, teller cash recyclers, ATMs and ITMs, and more. Let's connect! CBAI Members receive a 6% discount off DBE's standard pricing and a double warranty when a maintenance agreement agreed upon. Data Business Equipment, Inc., has been a CBSC Marketing Partner since 1982 and was CBAI Vendor of the Year in 2014.
	Econocheck Packaged Checking Contact: Nancy Planells \| Phone: 314/323-2252 \| Website: www.econocheck.com Implementing a new benefit-enhanced checking solution will generate significant fee income while providing value-added services that your customers will thank you for including in their checking account. Banks report earning up to $60 per year in net profit per DDA, and CBAI members receive preferred pricing on the secure checking package. Customers also receive cell phone protection, identity protection, online and mobile shopping discounts and more. Econocheck has been a CBSC Marketing Partner since 2018.
	FiNet Merchant Credit Card Services Contact: Richard Camardo \| Phone: 800/487-5577 \| Website: www.finet.net FiNet provides community banks with personalized merchant services programs designed to boost revenue and provide innovative payment solutions for your business customers. We are proud to be a merchant services partner of the CBAI. CBAI member banks benefit from an expanded revenue share, and their business customers receive a 20% discount on qualifying equipment purchases. FiNet has been a CBSC Marketing Partner since 2026.
	Hopkins & Howard, P.C., Certified Public Accountants Bank Valuation Services Contact: Joe Hopkins \| Phone: 314/503-4962 \| Website: www.hopkinsandhoward.com Hopkins & Howard is a leading provider of bank stock valuations for community banks from the Florida Keys to north of Seattle. H&H only performs bank stock valuations, typically for ESOP, 401(k) plans, option plans, estate planning, estate tax returns, and shareholder agreements, which can be used as a measuring stick for bank shareholder progress. H&H also provides expert witness service for bank stock values. Hopkins & Howard has been a CBSC Marketing Partner since 2025.
	ICBA CRA Solutions CRA Credit Contact: Kristine LaVigna \| Phone: 901/529-4781 \| Website: www.icbacrasolutions.org ICBA CRA Solutions offers CRA Education & Training, CRA Support Services, the CRA Collaborative Peer Group, and CRA qualified loans, investments and services. Since its inception in 2000, ICBA CRA Solutions has helped hundreds of banks across the country earn meaningful CRA credit through elder financial abuse prevention programs — all with flexible funding options to make it simple for banks to get involved. We guide you through optimizing your CRA Compliance Program from start to finish. ICBA CRA Solutions has been a CBSC Marketing Partner since 2020.
	ICBA Payments (formerly ICBA Bancard) Credit Cards Contact: Heather Sullivan \| Phone: 202/597-0330 \| Website: www.icba.org ICBA Payments provides community banks with a number of cutting-edge credit card options. As a direct card issuer, your bank owns its receivables, retains 100% of the interest income and fees, approves all applications, and can tailor its program to meet the specific needs of your customers. If your bank isn’t ready to manage its own credit card program, or wants to sell an existing portfolio, the TCM Bank program is your answer. Your bank retains the relationship with the customer and a portion of the profit! ICBA Payments has been a CBSC Marketing Partner since 2010 and TCM Bank has been a CBSC Marketing Partner since 2004.
	IntraFi Core Deposit Growth and Manage Liquidity Contact: Sue Kling \| Phone: 709/292-3423 \| Website: www.intrafi.com Contact: Cricket Barlow \| Phone: 703/292-3473 With 23 years+ of experience, its time- and volume-tested, trusted solutions include reciprocal deposits, available through its ICS and CDARS services. IntraFi helps community banks grow core deposits, manage liquidity, and offer depositors access to multi-million-dollar aggregate FDIC insurance across a network of banks—all while keeping funds local and supporting community lending. IntraFi has been a CBSC Marketing Partner since 2026.
	IRONCORE, Inc. Managed IT for Community Banks Contact: Joe Carty \| Phone: 608/779-9400 \| Website: www.ironcore-inc.com IRONCORE provides innovative technology solutions based on banking industry knowledge and best-practice methodology for cybersecurity, cloud hosting, managed networks and IT lifecycle management. CBAI members receive a 5% discount. IRONCORE has been a CBSC Marketing Partner since 2020 and CBAI Vendor of the Year in 2022.
	Kasasa Reward Checking/Web Development and Marketing Contact: Robert Johnson \| Phone: 630/715-6241\|Website: www.kasasa.com Kasasa® is an innovative leader in branded, community-powered banking products proven to drive profit and growth for community financial institutions. With unprecedented access to training, compliance, research, support resources and customized consulting, Kasasa's flagship suite provides a research-based strategy leveraging the power of a branded relationship platform. Kasasa is making community financial institutions the topic of conversation for happy consumers nationwide, and CBAI members receive a 5% discount on all fees. Kasasa has been a CBSC Marketing Partner since 2006 and CBAI Vendor of the Year in 2007. More Information on Web Development and Marketing »
	Ncontracts Risk Management Contact: Kim Miller \| Phone: 630/670-7676\| Website: www.ncontracts.com Ncontracts is a leading provider of compliance and risk management solutions to the financial services industry. With over 3,700 customers, the company’s powerful combination of software and services provides community banks with an integrated, user-friendly cloud-based solution suite that encompasses the lifecycle of risk and compliance: vendor management, operational risk, audit and findings, and lending compliance. Ncontracts has been a CBSC Marketing Partner since 2019. CBAI members receive a 5% discount on one-time and annual subscription fees in addition to multiple module discounts for the following: Ncomply-a compliance management system that includes a library of rules and regulations; Ncontinuity-business continuity management software; Nfindings-audit and exam findings management software; Nrisk-enterprise risk management software; Nvendor-vendor management software; NboardPortal-board portal software (contact Tanner for more information); Ntranet-employee intranet and portal (contact Tanner for more information).
	Regency360 Office Supplies, Printed Materials, Promotional Products and Apparel Contact: John Bybee \| Phone: 217/653-4028 \| Website: www.regency360.com Regency’s Online Company Store automates the acquisition, distribution, warehousing and invoicing of office supplies, corporate-logoed apparel and promotional items. The gained efficiencies save time. Bulk purchasing, offsite storage and on-demand fulfillment saves money. The administrative dashboard puts bank management in control of all aspects of the supply chain including product usage by department and branch. Automate bank purchasing today! Regency360 has been a CBSC Marketing Partner since 2018.
	SHAZAM® Debit/ATM Network Services Contact: Trishia Tousignant \| Phone: 682/229-9736 \| Website: www.shazam.net SHAZAM is the only nationwide independent, member-owned debit network, processor and core provider supporting community banks. SHAZAM ensures their clients have the products and services they demand and expect in a cost-effective way. Founded in 1976 and headquartered in Iowa, SHAZAM is a leader in payments and financial technology with a simple mission: Strengthening community financial institutions. CBAI members receive an annual rebate of $50 per ATM. SHAZAM has been a CBSC Marketing Partner Since 2000 and was CBAI Vendor of the Year in 2001, 2005, 2011 and 2025. SHAZAM DocuCommand Document Scanning and Retrieval Contact: Wayne Sanderford \| Phone: 922/342-6700 \| Website: www.shazam.net DocuCommand is SHAZAM's advanced enterprise-wide document scanning, archiving, retrieval and management system. CBAI members receive a 5% discount. SHAZAM DocuCommand has been a CBSC Marketing Partner Since 2022.
	The Baker Group A/L Management and Investment Portfolio Strategies Contact: Deon Perryman \| Phone: 405/415-7376 \| Website: www.gobaker.com Contact: Jason Vlcek \| Phone: 405/415-7384 Contact: Ken Judd \| Phone: 405/415-7389 Contact: Mo Kelley \| Phone: 405/415-7386 The Baker Group is one of the nation’s largest independently owned securities firms specializing in investment portfolio management for community financial institutions. Since 1979, they’ve helped clients improve decision-making, manage interest rate risk, and maximize investment portfolio performance. Their proven approach of total resource integration utilizes software and products developed by Baker’s Software Solutions combined with the firm’s investment experience and advice. The Baker Group has been a CBSC Marketing Partner since 1983 and was CBAI Vendor of the Year in 1993, 1998, 2003, and 2019.
	The Stone River Group Electric and Gas Procurement Contact: Don Frontone \| Phone: 217/737-5811 \| Website: www.thestonerivergroup.com The Stone River Group’s (SRG) electric and gas procurement experts are independent of any energy producers, sellers or transmitters. They do not make or sell power-they make it more affordable for CBAI members. To ensure CBAI members receive the best possible price, SRG solicits qualified proposals from a number of gas and electricity service providers. Additionally, SRG consultants will aggregate members from the same region of the state and use their combined purchasing power to negotiate even lower rates. The Stone River Group has been a CBSC Marketing Partner since 2018.
	Vericast Check Printing/Direct Marketing Services Contact: Mandy Bennett \| Phone: 812/589-9219 \| Website: www.vericast.com Vericast is a leading marketing solutions company that helps businesses across many industry verticals connect with consumers through data, analytics, and a broad portfolio of digital and print solutions. We help businesses understand, engage, grow and retain customers. Every day, we influence the consumer purchasing and transaction behavior of more than 120 million households – impacting where people eat, shop, buy, save, and borrow. It’s crucial to maximize every engagement tool at your disposal to drive brand awareness and revenue. With a full suite of services designed to engage customers including, Check Solutions, Card Solutions, Contact Center Solutions, Customer & Employee Insight, Customer Change Management and Acquisition and Retention; Vericast solutions combine superior service and deep experience to build a program tailored to your goals and brand strategy. Vericast has been a CBSC Marketing Partner since 1988 and CBAI Vendor of the Year in 1996, 2002, and 2013.
	Wolters Kluwer Loan and Deposit Automation Software/HMDA Compliance Solution Contact: Jen Gordon \| Phone: 313/727-0420 \| Website: www.wolterskluwer.com Wolters Kluwer® is the market leader in providing compliance, credit, and operational risk management solutions to a variety of financial institutions. The company’s integrated and stand-alone deposit, lending, IRA, and Financial Intelligence solutions can help financial institutions efficiently comply with federal and state regulations. When you work with Wolters Kluwer, you will always receive a 10% discount for being a CBAI member. Wolters Kluwer has been a CBSC Marketing Partner since 1988 and was CBAI Vendor of the Year in 2024. More Information on HMDA Compliance Solution »
	Wolters Kluwer Cash Suite Credit Analysis Software Contact: Jen Gordon \| Phone: 313/727-0420 \| Website: www.wolterskluwer.com Wolters Kluwer's CASH Suite TM is comprised of nine integrated solutions that provide community banks with a powerful commercial lending software solution that helps business lenders increase profits and grow top-line revenue by achieving straight-through-processing across every step of the commercial loan lifecycle. Wolters Kluwer has been a CBSC Marketing Partner since 1988.

	A Real Community Bank Image Program Contact: Valerie Johnston \| Phone: 217/529-2265 CBAI is proud to present the Real Community Bank Image Program, available only to CBAI active member financial institutions. A Real Community Bank is one which takes its commitment to its community seriously. This is a bank in which decisions are made locally, for the betterment of the home area in mind. CBAI leadership believes that, while we may recognize the difference between a community bank and a mega-bank, too many mega-bank imposters are attempting to claim our identity. The Real Community Bank Image Program, now implemented in nearly 20 other states throughout the United States, harnesses the power of professionally produced commercials which can be personalized for your bank. It's designed to accurately and compellingly inform viewers, listeners, and/or readers about what makes a community bank better. More Information »
CBAI COMPENSATION SURVEY	CBAI Compensation Survey Contact: Valerie Johnston \| Phone: 217/529-2265 \| Website: www.cbai.com Is your bank competing effectively with your peers to attract, reward and retain the top talent in today’s job market? What is your strategy to win the race for qualified leadership and employees? The Compensation measures only Illinois community banks and reports the findings by geographical area and asset size. Salaries, incentive pay, directors’ fees, 80 benchmark positions, paid time off and more are measured. Members that participate receive the results for FREE! More Information »
COMMUNITY BANKERS FOR COMPLIANCE PROGRAM (CBC)	CBC Program Contact: Jennifer Nika \| Phone: 217/529-2265 \| Website: www.cbai.com CBAI is pleased to offer you access to this critical guide to survival, the Community Bankers for Compliance (CBC) Program. The CBC Program is the most successful and longest running compliance training program in the country. The CBC Program is presented by Young & Associates, Inc., a nationally-recognized compliance consulting firm specializing in community banks. More Information »